                    &\multicolumn{3}{c}{Full Sample}                                  &\multicolumn{1}{c}{Subprime Borrowers}&\multicolumn{1}{c}{Prime Borrowers}\\\cmidrule(lr){2-4}\cmidrule(lr){5-5}\cmidrule(lr){6-6}
                    &\multicolumn{1}{c}{(1)}         &\multicolumn{1}{c}{(2)}         &\multicolumn{1}{c}{(3)}         &\multicolumn{1}{c}{(4)}         &\multicolumn{1}{c}{(5)}         \\
\hline
Minority            &       0.312         &       0.309         &       0.188         &       0.386         &       0.186         \\
                    &     (0.422)         &     (0.422)         &     (0.471)         &     (0.562)         &     (0.597)         \\
Minority X Hispanic &                     &                     &       0.241         &                     &                     \\
                    &                     &                     &     (0.504)         &                     &                     \\
Female              &      -0.304         &      -0.303         &      -0.302         &      -0.643         &       0.061         \\
                    &     (0.388)         &     (0.387)         &     (0.387)         &     (0.548)         &     (0.538)         \\
Age                 &       0.002         &       0.002         &       0.002         &      -0.006         &       0.010         \\
                    &     (0.007)         &     (0.007)         &     (0.007)         &     (0.009)         &     (0.010)         \\
log(Income)         &      -0.012\sym{*}  &      -0.012\sym{*}  &      -0.012\sym{*}  &      -0.007         &      -0.018\sym{**} \\
                    &     (0.007)         &     (0.007)         &     (0.007)         &     (0.010)         &     (0.009)         \\
Credit Score \textsubscript{t-1}&                     &       0.004         &       0.004         &      -0.002         &       0.009         \\
                    &                     &     (0.007)         &     (0.007)         &     (0.009)         &     (0.010)         \\
log(Total Debt \textsubscript{t-1})&                     &       0.010         &       0.010         &       0.008         &       0.013         \\
                    &                     &     (0.007)         &     (0.007)         &     (0.010)         &     (0.009)         \\
Debt to Income \textsubscript{t-1}&                     &       0.008         &       0.008         &       0.006         &       0.009         \\
                    &                     &     (0.007)         &     (0.007)         &     (0.009)         &     (0.009)         \\
log(Past Due Debt \textsubscript{t-1})&                     &      -0.007         &      -0.007         &      -0.011         &      -0.002         \\
                    &                     &     (0.007)         &     (0.007)         &     (0.010)         &     (0.010)         \\
log(Personal Income Per Capita)&       0.007         &       0.007         &       0.007         &       0.002         &       0.011         \\
                    &     (0.006)         &     (0.006)         &     (0.006)         &     (0.009)         &     (0.010)         \\
log(Population Density)&      -0.006         &      -0.006         &      -0.006         &      -0.002         &      -0.009         \\
                    &     (0.007)         &     (0.007)         &     (0.007)         &     (0.010)         &     (0.009)         \\
Bachelors Degree    &      -0.007         &      -0.007         &      -0.007         &      -0.001         &      -0.013         \\
                    &     (0.007)         &     (0.007)         &     (0.007)         &     (0.010)         &     (0.010)         \\
Commute Using Car   &      -0.015\sym{**} &      -0.015\sym{**} &      -0.015\sym{**} &      -0.015         &      -0.015         \\
                    &     (0.007)         &     (0.007)         &     (0.007)         &     (0.010)         &     (0.009)         \\
\hline
R-Squared           &       0.002         &       0.002         &       0.002         &       0.005         &       0.005         \\
Observations        &      64,525         &      64,525         &      64,525         &      32,190         &      32,335         \\
